Insurance Denies Claim on 2023 Honda
Last month, my wife got into an accident with our 2023 Honda Accord after hitting a deer. We filed a claim with Progressive, but they just informed us that they won’t cover the car because one of the rear tires was below the minimum tread depth. I’m baffled, considering the car only has 21,000 miles on it. Are we really left with the burden of paying off this totaled vehicle along with weekly storage fees at the tow yard indefinitely?
I’m really sorry to hear about your situation. Dealing with insurance claims is often frustrating, especially when it seems unfair. Here are a few steps you might consider taking:
Review the Policy: Check your policy details to understand the coverage types. Some policies have stipulations about vehicle maintenance that might come into play.
Documentation: Gather all relevant information, including the accident report, pictures of the tire, and any maintenance records. This could help in negotiating with the insurance company.
Contact Progressive: Reach out to your Progressive representative for a detailed explanation of their decision. Ask for clarification on how the tire condition contributed to the denial.
File an Appeal: If you believe the denial was unfair, you can file a formal appeal with the insurance company. Provide any evidence you have to support your claim.
Consult a Professional: Consider speaking with an insurance adjuster or a legal expert who specializes in insurance claims. They might offer insights into whether you have a legitimate case to challenge the denial.
Explore Alternatives: If you’re concerned about ongoing storage fees, discuss options with the tow lot to see if you can negotiate rates or find a temporary solution until your claim is resolved.
Seek Support: Share your experience with friends or online communities; others may have gone through similar issues and can provide advice or support.
It’s definitely a tough situation, but taking these steps may help you find a resolution. Good luck, and I hope it works out for you soon!